Question:

Can I get a loan based on my credit score only?

Answer:

Yes, you can. If you have marred credit (less than 620) you are in need of a subprime loan and those loans are based almost solely on your credit score.

If you are not in need of a subprime loan, you should get a reduced documentation loan. Probably, a no doc loan will suit you best.

Often customers willing to take a loan without documentation hassle would apply for a no doc loan; your credit score will be the only thing you may need to show to the lender.

Bear in mind, a lender will often charge you higher rates for a no doc loan. However, such a loan will be very convenient. You don't need to order a credit report in order to obtain your credit score.

Recommended helpful present and future homeowners links:
Why: Refinance to a fixed rate loan while mortgage rates are still low.
Link:
Why: Because FHA loans are insured by the US Federal Government they have very competitive interest rates and are easier to qualify.
Link:
Why: Know and protect your credit report and score.
Link: See All 3 National Credit Scores & 3 Reports Instantly, Online & Free
Why: Find your next home and save money.
Link: Search thousands of foreclosures. Free 7-day trial.
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Common misspellings: mortage and morgage